Commercial Credit Associate (Commercial Banking)

Location: Radnor, Pennsylvania, United States of America

Salary: $94,400–$157,400 annual (USD)

Company

M&T Bank provides commercial banking and credit services, supporting lending decisions and portfolio risk management for commercial clients.

What you will do

• Underwrite new commercial credit requests, material modifications, renewals, and restructurings from initial deal screening through approval and the life of the loan.
• Monitor existing commercial loan portfolios through annual reviews, interim updates, covenant monitoring, early-warning indicators, and problem-loan management.
• Analyze financial statements, tax returns, due diligence materials, credit reports, appraisals, industry research, and peer data.
• Prepare cash flow analyses, collateral schedules, covenant sensitivity calculations, financial models, guarantor analyses, and risk ratings.
• Recommend transaction structures using company, bank base-case, and downside-case scenarios, while identifying risks and mitigants.
• Partner with relationship managers, participate in client calls and credit committees, and present creditworthiness assessments and recommendations.

Requirements

• Bachelor’s degree in Accounting, Finance, Economics, or a related field, plus at least four years of experience in commercial credit, public accounting, or financial statement analysis; an alternative path requires at least eight combined years of higher education and work experience, including four relevant years.
• Strong analytical, critical-thinking, problem-solving, verbal, and written communication skills.
• Proficiency in financial modeling, credit metrics, financial ratios, trend analysis, and financial statement preparation.
• Ability to understand legal documents, work independently with limited supervision, collaborate with relationship managers, and lead transaction execution with a Commercial Credit Analyst.
• Strong attention to detail, organization, time management, customer focus, and interpersonal skills.
• Proficiency with Microsoft Office and willingness to support training and development of junior analysts.

Nice to have

• Experience with Capital IQ, FactSet, or Bloomberg.

Culture & Benefits

• Work within commercial credit throughout the full credit lifecycle, from new relationships to ongoing portfolio monitoring.
• Collaborate with commercial banking relationship managers across banking footprint and industry verticals.
• Maintain internal controls and support timely resolution of internal, external, and regulatory audit issues.
• Operate within the bank’s risk appetite, credit policies, regulatory standards, and control framework.